Hello, this is Dave at TitleSearch.com, and in today’s video, we’ll be delving into the intricacies of title searching in the state of Missouri. Join me as we uncover the unique aspects and essential considerations when navigating Missouri’s title records.
Missouri’s County-Level Title Records
Missouri follows a county-level approach when it comes to title records. This means that each of the 114 counties in the state has its own courthouses housing the records essential for a thorough title search. To ensure comprehensive coverage, our examiners are present in every county daily, searching through multiple courthouses, including the register of deeds, recorder of deeds, assessors, tax assessors, civil court, and probate court.
Non-Judicial State and Name Index System
Missouri operates as a non-judicial state, utilizing deeds of trust for lending money on property. In case of foreclosure, a trustee sale is conducted, bypassing the courthouse and the lawsuit system. Notably, Missouri doesn’t have registered land, relying on a name index system for its title records.
Adverse Possession and Spousal Ownership Priority
Similar to many states, Missouri has an adverse possession provision, allowing a party possessing a property openly and notoriously for ten years to potentially claim ownership under certain conditions. Additionally, in cases where there’s no will and no children, a surviving spouse of a deceased property owner takes priority in property ownership. If there are children, ownership is divided between the spouse and children.
Mechanics Liens and Mineral Rights
Mechanics liens in Missouri must be filed within six months of the work on the property or delivering materials to be valid. Missouri is also a significant hub for mineral rights, typically excluded from title insurance coverage and running on a separate chain. If you’re seeking mineral rights in Missouri, it’s crucial to conduct a specific search for these assets.
Seeking Assistance with Missouri Title Searches
With examiners covering all 114 counties in Missouri every day, we are well-equipped to assist you with any questions or requirements regarding title searches in the state. If you need guidance or assistance, feel free to give us a call or visit our website at TitleSearch.com. Click on the link below this video to reach our website directly, and let us navigate the complexities of title searching in Missouri for you. We’re here to help.